2. Micro Options
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Finamerica
Please note that the information you are viewing is 159 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Micro Options Mohallah Hussainiya, Thaneel RoadChakwal, Punjab
Data approved: 2015-05-05
Data version: 2
Age of data: 107 months
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Institution

Finamerica Calle 16 # 6-66 piso 4Bogotá, Cundinamarca
Data approved: 2011-03-15
Data version: 1
Age of data: 159 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.microoption.org
Year established2009
Head of InstitutionShazia Abbas
Regions activeIslambad Capital Territory, Punjab
# Branches5

Total Portfolio (nat'l)PKR 78,225,144
Total Portfolio (USD)USD 768,170.91
Active clients with loans4,024
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsPunjab Microfinance Network, Pakistan Microfinance Network, Human Resouce Development Network (HRDN)
FundersPakistan Poverty Alleviation Fund, Plan Pakistan/NRSP, Institute of Rural Management (IRM), Philonthrophist / Individual Donations

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.finamerica.com.co/
Year established1997
Head of InstitutionGregorio Alberto Mejia Solano
Regions active
# Branches43

Total Portfolio (nat'l)COP 183,819,000,000
Total Portfolio (USD)USD 100,999,450.50
Active clients with loans45,380
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsACCION INTERNACIONAL
FundersCaja de compensacion Familiar Colsubsdio, Caja de compensacion Familiar Cafam, Caja de compensacion Familiar Comfandi, Caja de compensacion Familiar Confenalco

Loan Products » Summary

Livestock
1,831 Borrowers
USD 384,027.30 Portfolio
Active Product
Commerce
1,813 Borrowers
USD 247,824.93 Portfolio
Active Product
Agriculture
344 Borrowers
USD 120,730.65 Portfolio
Low Volume Product
Biogas
14 Borrowers
USD 6,812.63 Portfolio
Low Volume Product
Solar Energy
22 Borrowers
USD 8,775.40 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Destino
2,505 Borrowers
USD 7,450,166.34 Portfolio
Active Product
Preferencial
6,585 Borrowers
USD 18,584,395.79 Portfolio
Active Product
Renovado
23,954 Borrowers
USD 55,023,076.92 Portfolio
Active Product
Pymes
955 Borrowers
USD 15,205,774.15 Portfolio
Active Product
Confianza
311 Borrowers
USD 94,508.40 Portfolio
Active Product
YA
5,198 Borrowers
USD 3,119,030.61 Portfolio
Active Product
Confianza
320 Borrowers
USD 59,881.76 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Livestock Loan PKR 5,000 - 75,000 12 40% - 60% 0% - 20% Business Women, Men, Have business, Specific age group Group Mtgs, Tech Asst Visits, Other Training
Commerce Loan PKR 5,000 - 30,000 12 20% - 40% 60% - 80% Business Women, Men, Have business, Specific age group Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumo Libre Destino COP 300,000 - 65,000,000 12 - 59 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker Other Training, Fidelizacion
Crédito preferencial ( Credipremium) COP 772,500 - 83,430,000 6 - 59 40% - 60% 80% - 100% Any Purpose Women, Men, Have business Other Training, Programa Afinidad ( tarjeta club finamigos)
Credito Individual Nuevo y Renovado COP 772,000 - 83,430,000 1 - 59 40% - 60% 80% - 100% Business, Capital de Trabajo Women, Men, Have business Credit Educ, Credit Ins, Programa Afinidad
Credito Pymes COP 12,440,000 - 300,000,000 6 - 59 20% - 40% 80% - 100% Business, Compra de mercancías, insumos, adquisición de maqu Women, Men, Have business, Personas Naturales y Jurídicas con activos entre $248 y $2.480 millones pertenecientes a los sectore Programa Afinidad (tarjeta club finamigos)
Grupo Solidario Confianza COP 200,000 - 2,000,000 3 - 12 40% - 60% 20% - 40% Business, Consumer, Capital de Trabajo Women, Men, Agrupacion de personas que tengan en comun, proyectos agropecuarios, agroindustriales, comerciales. Credit Educ, Other Training, Charlas de grupo , cobranza de creditos , charlas de ahorro.
Mi credito YA COP 400,000 - 2,400,000 6 - 12 40% - 60% 80% - 100% Business, Capital de Trabajo Women, Men, Have business, Personas sin experiencia crediticia Credit Ins, Other Training, programa de Fidelizacion clientes Club Finamigos
Micro confianza COP 200,000 - 700,000 3 - 6 40% - 60% 80% - 100% Business, Capital de Trabajo Women, Men, Have business, antigàŒedad del negocio de 18 meses y activos fijos inferiores a 500 SMLV Credit Ins, Other Training, programa de Fidelizacion clientes Club Finamigos

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livestock Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins None N/A 32.9% - 34% 32.9% - 34% 78
Commerce Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33.8% - 36.3% 33.8% - 36.3% 74

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo Libre Destino 14.4%-28.7% annual, Decl Bal 2 Fees 1 Ins None N/A 23.9% - 24.8% 24.7% - 25.5% 57
Crédito preferencial ( Credipremium) 10.2%-28.7% annual, Decl Bal 2 Fees 1 Ins None N/A 14.6% - 28% 15.4% - 28.8% 45
Credito Individual Nuevo y Renovado 8.0%-29.6% annual, Decl Bal 2 Fees 1 Ins None N/A 41.2% - 44.3% 42% - 45.1% 18
Credito Pymes 20.9%-21.6% annual, Decl Bal 2 Fees 1 Ins None N/A 13.7% - 23.1% 14.5% - 23.8% 100
Grupo Solidario Confianza 18.7%-29.6% annual, Decl Bal 1 Fee 1 Ins None N/A 33.6% - 52.5% 34.2% - 53.3% 42
Mi credito YA 22.4%-29.9% annual, Decl Bal 1 Fee 1 Ins None N/A 50.6% - 52.9% 51.3% - 53.7% 43
Micro confianza 21.6%-29.6% annual, Decl Bal 1 Fee 1 Ins None N/A 33.9% - 53.2% 34.5% - 53.9% 48

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livestock Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 32.9% - 34% 32.9% - 34% 78
Commerce Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 33.8% - 36.3% 33.8% - 36.3% 74

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo Libre Destino 14.4%-28.7% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 23.9% - 24.8% 24.7% - 25.5% 57
Crédito preferencial ( Credipremium) 10.2%-28.7% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 14.6% - 28% 15.4% - 28.8% 45
Credito Individual Nuevo y Renovado 8.0%-29.6% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 41.2% - 44.3% 42% - 45.1% 18
Credito Pymes 20.9%-21.6% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 13.7% - 23.1% 14.5% - 23.8% 100
Grupo Solidario Confianza 18.7%-29.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.6% - 52.5% 34.2% - 53.3% 42
Mi credito YA 22.4%-29.9% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 50.6% - 52.9% 51.3% - 53.7% 43
Micro confianza 21.6%-29.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.9% - 53.2% 34.5% - 53.9% 48
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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